Can I retire at age 52 with 1,440,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,440,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$118,914$117,855$116,821$115,813$114,828$110,578
2 years$58,868$57,772$56,709$55,679$54,680$50,446
3 years$38,856$37,755$36,695$35,674$34,691$30,607
4 years$28,851$27,754$26,704$25,701$24,742$20,838
5 years$22,850$21,759$20,724$19,741$18,808$15,095
6 years$18,851$17,768$16,748$15,787$14,883$11,362
7 years$15,995$14,922$13,917$12,979$12,103$8,776
8 years$13,855$12,791$11,803$10,888$10,041$6,903
9 years$12,191$11,136$10,166$9,274$8,456$5,503
10 years$10,860$9,816$8,863$7,994$7,205$4,431
11 years$9,772$8,739$7,803$6,958$6,196$3,597
12 years$8,866$7,843$6,925$6,103$5,370$2,937
13 years$8,100$7,088$6,187$5,388$4,683$2,410
14 years$7,444$6,443$5,559$4,783$4,105$1,986
15 years$6,876$5,886$5,019$4,265$3,614$1,641
16 years$6,380$5,400$4,550$3,819$3,194$1,360
17 years$5,942$4,973$4,141$3,431$2,832$1,129
18 years$5,554$4,596$3,780$3,092$2,518$939
19 years$5,206$4,259$3,460$2,794$2,245$782
20 years$4,894$3,958$3,176$2,531$2,005$653
21 years$4,612$3,687$2,921$2,297$1,794$545
22 years$4,356$3,441$2,692$2,088$1,608$455
23 years$4,123$3,218$2,486$1,902$1,444$380
24 years$3,909$3,016$2,299$1,735$1,298$318
25 years$3,713$2,830$2,129$1,584$1,168$266
26 years$3,532$2,660$1,975$1,448$1,052$223
27 years$3,364$2,503$1,834$1,326$948$187
28 years$3,209$2,359$1,705$1,215$856$156
29 years$3,065$2,225$1,586$1,114$773$131
30 years$2,931$2,101$1,478$1,022$698$110
31 years$2,806$1,986$1,378$939$631$92
32 years$2,689$1,880$1,285$863$571$77
33 years$2,579$1,780$1,200$794$517$65
34 years$2,476$1,687$1,121$730$468$54
35 years$2,379$1,600$1,048$672$424$46
36 years$2,287$1,519$981$619$384$38
37 years$2,201$1,442$918$570$348$32
38 years$2,119$1,371$860$526$315$27
39 years$2,042$1,304$805$485$286$23
40 years$1,969$1,240$755$447$259$19
41 years$1,899$1,181$708$412$235$16
42 years$1,833$1,124$664$381$214$13
43 years$1,771$1,071$623$351$194$11
44 years$1,711$1,021$585$324$176$9
45 years$1,654$974$549$300$160$8
46 years$1,600$929$516$277$145$7
47 years$1,548$886$485$256$132$6
48 years$1,499$846$455$236$120$5
49 years$1,451$808$428$218$109$4
50 years$1,406$772$402$202$99$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,440,000, adding $6,428 every year, while hoping to spend $22,419 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 59/21/20 Blend
51$1,440,000$1,440,000$1,440,000$1,440,000
52$1,593,510$1,517,190$1,494,870$1,678,769
53$1,732,195$1,567,679$1,521,095$1,787,834
54$1,884,274$1,619,890$1,547,447$1,903,719
55$2,051,090$1,673,885$1,573,906$2,029,603
56$2,234,121$1,729,726$1,600,452$2,166,456
57$2,434,997$1,787,478$1,627,063$2,315,348
58$2,655,512$1,847,210$1,653,715$2,477,455
59$2,897,642$1,908,991$1,680,382$2,654,073
60$3,163,564$1,972,894$1,707,038$2,846,627
61$3,455,677$2,038,995$1,733,652$3,056,687
62$3,776,622$2,107,372$1,760,196$3,285,983
63$4,129,310$2,178,106$1,786,635$3,536,417
64$4,516,948$2,251,281$1,812,936$3,810,087
65$4,943,068$2,326,985$1,839,060$4,109,300
66$5,411,562$2,405,308$1,864,970$4,436,599
67$5,926,718$2,486,345$1,890,623$4,794,784
68$6,493,260$2,570,193$1,915,976$5,186,939
69$7,116,393$2,656,952$1,940,981$5,616,460
70$7,801,851$2,746,729$1,965,590$6,087,090
71$8,555,953$2,839,632$1,989,750$6,602,950
72$9,385,659$2,935,773$2,013,407$7,168,579
73$10,298,642$3,035,272$2,036,501$7,788,979
74$11,303,352$3,138,248$2,058,972$8,469,658
75$12,409,101$3,244,829$2,080,754$9,216,686
76$13,626,149$3,355,146$2,101,780$10,036,749
77$14,965,803$3,469,335$2,121,977$10,937,214
78$16,440,521$3,587,538$2,141,268$11,926,194
79$18,064,028$3,709,901$2,159,574$13,012,631
80$19,851,449$3,836,577$2,176,811$14,206,374
81$21,819,452$3,967,724$2,192,889$15,518,278
82$23,986,400$4,103,507$2,207,715$16,960,299
83$26,372,530$4,244,096$2,221,191$18,545,611
84$29,000,140$4,389,669$2,233,213$20,288,731
85$31,893,802$4,540,409$2,243,672$22,205,652
86$35,080,589$4,696,509$2,252,455$24,313,996
87$38,590,338$4,858,167$2,259,441$26,633,182
88$42,455,924$5,025,589$2,264,504$29,184,603
89$46,713,575$5,198,990$2,267,512$31,991,835
90$51,403,212$5,378,592$2,268,326$35,080,853
91$56,568,825$5,564,629$2,266,800$38,480,280
92$62,258,888$5,757,339$2,262,781$42,221,655
93$68,526,820$5,956,973$2,256,109$46,339,731
94$75,431,482$6,163,791$2,246,615$50,872,803
95$83,037,740$6,378,064$2,234,123$55,863,067
96$91,417,072$6,600,072$2,218,449$61,357,020
97$100,648,245$6,830,107$2,199,399$67,405,901
98$110,818,056$7,068,472$2,176,769$74,066,168
99$122,022,154$7,315,484$2,150,347$81,400,035
100$134,365,941$7,571,470$2,119,911$89,476,060